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I thought I had plenty of time to save for retirement I just didnt think that the time would fly by so fast sound familiar me too at age 25 we probably were saying hey we cant save for retirement now we just got out of school and have student loans to pay off we deserve to have a little fun we have plenty of time to save for retirement but then just a few years later at age 35 we said we cant put away another nickel now we have a growing family a new mortgage and private school tuitions well stash away more savings when the kids are older well have extra money then Yeah right and then at age 45 save more for retirement retirement are you kidding weve got a child in college and this is the most expensive time in our lives well start putting money away when our child graduates itll be like a a pay raise right well then at age 55 we say something like hey we know we should be saving more but things just havent worked out the way we thought were very comfortable in our jobs now